Doorstep loans

What is a doorstep loan?

Also known as home credit loans, doorstep loans are a form of personal loan that are delivered to your door. If you apply for a doorstep loan, a local agent will visit you in your home to go through your application and if approved, give you your funds.

Your agent will then become your dedicated point of contact for managing your loan and will visit your home to collect your loan repayments and answer any questions you may have.

Doorstep loans allow customers to discuss their credit needs with an agent face to face and provide a truly personal service.

Doorstep loans FAQs
Question Answer
What is a doorstep loan? A doorstep loan, also known as a home credit loan, is a form of personal cash loan, delivered to your door by one of our friendly local agents. The agent will approve your application with you at your home and if approved, give you your cash.
Do I have to be a homeowner? You do not need to own your own home to be eligible for a doorstep loan. We can provide unsecured loans for tenants in private, council and housing association properties as well as people in other living circumstances.
Does it matter if I have CCJs or poor credit? Not necessarily. We try to help everyone whatever your circumstances. As part of the application process, we will undertake credit and affordability checks to help us assess your suitability for a loan.
How do I apply? You can apply online using our simple online application form. You will receive a response within minutes letting you know if you've been initially approved for a loan. Once you’re initially approved someone from your local branch will be in touch to discuss visiting you and finalising your application.
Are there any extra charges? We do not charge any missed or late payment fees and if you are having difficulty making your repayments, someone from your local branch will be in touch to work with you towards an alternative payment plan which works for you.

If you're interested in a convenient and simple doorstep loan from Morses Club, why not apply online – you could have your cash in a few days.

...with a stress-free application

We know that when you apply for a doorstep loan, you want it to be straightforward from start to finish. That's why our online application process is simple, and you'll get an initial decision in minutes.

...with a personal service

Our friendly Morses Club agents bring your loan directly to your doorstep. Our agents are helpful, and they are given fantastic support and training and can answer any questions you might have about your loan. To see if you're eligible for a doorstep loan, call now or apply online.

Doorstep loans - the facts

  • Doorstep loan companies may consider people with poor credit histories, but credit checks will be run during your application
  • Our loans have a fixed interest rate, so you can see the full cost upfront and there are no nasty surprises
  • Your loan can be processed within a few days of application, but may sometimes take a little longer because of the face to face approval process
  • By taking a little longer, there is more time for you to consider your personal needs and circumstances

Representative Example:

£200 loan repayable over 33 weeks at £10 per week, Rate of interest 102.4% p.a fixed; Representative 433.5% APR, Total amount payable is £330.

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